My advice to younger forumers here is to choose your course of study and careers carefully. Avoid low paying sectors and jobs, especially engineering. If you work in these low paying sectors, you will have to work until you're 65 or older.

Choose high paying sectors and careers which will allow you to earn a lot. Then invest wisely with your huge salaries. Be a top performer in these high paying sectors. You can become a multi millionaire, retire early and become your own boss.

I'm 50 and happily retired. No longer need to report every morning to some bossy bosses. LOL.